Member and commercial lending
Guide eligibility, underwriting, approvals, notices, exceptions, and ongoing monitoring.
membershipapplicationunderwritingnotice
Member-first operating intelligence
Connect member service, lending, and NCUA readiness in one governed record.
A credit-union adaptation of the banking workspace with member eligibility, concentration, liquidity, CECL, consumer compliance, and NCUA examination workflows.
One governed operating record
✓ Cleaner member files✓ Earlier concentration signals✓ Consistent exceptions✓ NCUA-ready evidenceRole-specific execution
Workflows that become examination proof.
People do their actual work in Smarter. Approved outcomes, evidence receipts, and requirement status synchronize into Vigil without duplicating files or exposing restricted content.
NCUA examination readiness
Continuously map policies, board reporting, financials, lending, liquidity, and BSA evidence.
call reportboard minutespoliciestesting
Shared intelligence fabric
Every useful action improves the system—inside constitutional boundaries.
Member data is excluded from shared learning; only authorized aggregate workflow performance may be evaluated.
Raw work product stays privateNo employee performance scoringMinimum cohort and human approvalNo automated regulatory decisions
SmarterCredit unions
Vigil examination bridge
Operational actions become requirement-level evidence.
- ✓NCUA examination programAuthority · task · evidence · result · receipt
- ✓Federal credit union charteringAuthority · task · evidence · result · receipt
- ✓Consumer complianceAuthority · task · evidence · result · receipt
- ✓BSA/AMLAuthority · task · evidence · result · receipt
Smarter × Vigil